State credit union · GAINESVILLE, Florida · NCUA charter #60497
FLORIDA
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $2.64B
- Total assets
- 177,623
- Members
- 12.7%
- Net-worth ratio
FLORIDA scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.64B; members 177,623; net-worth ratio 12.67%; health rank #492 of 4,374; healthier than 87th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#492 of 4,374 health · 2025Q4FLORIDA · health 94/100 · $2.64B · 2025Q4
Call Report peers
FLORIDA in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
FLORIDA vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); FLORIDA sits in 90-94 with 747 others.
94 Top 13% higher than 87% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Where FLORIDA diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 95.91% here, 83.90% peer average (+12.01 pp).
FLORIDA: in-state Call Report ranks
- Health composite ranks #21 of 109 among scored Florida credit unions.
- By total assets, FLORIDA is #14 of 109 in Florida.
- Florida membership ordinal: #11 of 109.
- One place up in Florida, Innovations Financial (#20) scores 95/100, 1 point higher; one place down, Velocity Community (#22) ties at 94/100.
Quarter path for FLORIDA
FLORIDA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.8% from $2.64B (2025Q4) to $2.74B (2026Q1).
- Net-worth ratio shifted -0.11 pp (12.78% → 12.67%).
This credit union's 12.67% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 94/100 score is built
FLORIDA gives up 6 points in total. Delinquency Rate costs the most, 2.9 of its 25; Net Worth Ratio and Return on Assets and Member Growth score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.1 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 11.9 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.67% | +1.49 pp |
| Delinquency Rate | 0.79% | -0.08 pp |
| Return on Assets | 1.33% | +0.83 pp |
| Member Growth | 7.52% | - |
| Loan-to-Share Ratio | 95.91% | +12.01 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Call Report history - FLORIDA
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.74B | - |
| 2025Q4 | $2.64B | 177,623 |
| 2024Q4 | $2.29B | 165,207 |
| 2023Q4 | $2.11B | 152,456 |
Credit Union Details
- Charter Number
- 60497
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Florida
- City
- GAINESVILLE
- Data Quarter
- 2025Q4
Branch Locations (16)
The NCUA branch filing lists 16 physical offices for FLORIDA, spread across 7 cities.
| Office | City |
|---|---|
| Fred Bear Corporate Office (Main Office) | Gainesville, FL |
| Belleview | Belleview, FL |
| Deland Branch | DeLand, FL |
| 43rd Street | Gainesville, FL |
| 13th Street | Gainesville, FL |
| Haile Branch | Gainesville, FL |
| 16th Street ATM | Gainesville, FL |
| Butler | Gainesville, FL |
| Fort Clarke Expansion | Gainesville, FL |
| Lake City | Lake City, FL |
| Ocala Branch | Ocala, FL |
| Silver Springs | Ocala, FL |
| Country Oaks | Ocala, FL |
| Maricamp | Ocala, FL |
| Starke Branch | Starke, FL |
| Trailwinds-Wildwood | Wildwood, FL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Florida
A look at other Florida credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near FLORIDA
Similar total assets
Similar health score
Using this data
- FLORIDA ranks #492 of 4,374 nationally on financial health and #21 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- PENAIR is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with PENAIR
Frequently Asked Questions
Is FLORIDA financially healthy?
FLORIDA has a financial health score of 94/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #492 of 4,374 nationally on health and #21 of 109 in Florida. Its net worth ratio is 12.67% and its delinquency rate 0.79%.
How does FLORIDA compare to other credit unions?
FLORIDA scores 94/100, higher than 87% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (95.91% vs 83.90%).
How can I join FLORIDA?
Membership eligibility for FLORIDA depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact FLORIDA directly for current membership requirements and application steps.
Is my money safe at FLORIDA?
FLORIDA is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. FLORIDA's net worth ratio of 12.67% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.